Financial Planning For Equity-Heavy Wealth
Your income, taxes, and wealth trajectory look very different from traditional households. Financial planning needs to account for vesting schedules, liquidity events, tax cliffs, and concentrated equity risk.
DiversiFi was built specifically for tech professionals. Our advisors work every day with clients managing RSUs, ISOs, IPO windfalls, and concentrated equity positions, which has shaped our focus on the planning decisions that are most relevant to this work.
By drawing on the shared experiences across our client community, we’re able to spot patterns, anticipate risks, and identify planning considerations that are specific to equity-heavy financial situations. Our approach is shaped by working closely with clients who face similar planning decisions around equity compensation, liquidity events, and concentrated stock.
✓ Equity compensation planning across RSUs, ISOs, NSOs, and ESPPs
✓ Liquidity event strategy for IPOs, acquisitions, and secondary markets
✓ Advanced tax strategy including AMT modeling and QSBS planning
✓ Concentration risk management for large single-stock positions
✓ Integrated planning with your CPA and estate attorney
✓ Decision tracking for vesting events, exercise windows, and tax deadlines
Early-Stage Employee
- Should I excercise my ISOs early?
- How do I manage AMT risk?
- What if I leave - do I lose my options?
- How do I think about QSBS eligibility
Pre-IPO/Growth Stage
- Should I participate in secondary sales?
- How do I balance concentration vs. diversification?
- What tax planning should happen before IPO?
- How do I model different exit scenarios?
Post Liquidity
- How do I diversify without huge tax bills?
- What do I do with RSUs vesting quarterly?
- How do I manage lockup period constraints?
- When should I sell concentrated stock?
Our Financial Planning Levels
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Starter - $175/month
Build your foundation by establishing financial systems, managing equity grants, and planning first major milestones.
Career Level: First 5-8 years
Household Income: <$250k
Net Worth: $0 - $750k
Equity: First RSUs, ESPP, or option grants. Decisions matter, but complexity is still manageable.
Time in Level: 1–2 years
Upgrade to Core When:
• Income crosses $250K+
• Buying your first home
• Getting married/starting a family
• Needs AMT or Equity tax advice (ISOs, NSOs) -
Core - $250/month
Balance career acceleration, family decisions, and growing equity complexity with proactive tax and investment strategy.
Career Level: Senior or Director Level
Household Income: $250k - $750k
Net Worth: $750k - $5M
Equity: Growing concentration and/or complexity. Stacking RSU grants, AMT exposure, and active decisions around liquidity and diversification.
Time in Level: 3–6 years
Upgrade to Plus When:
• Income crosses $750k+
• Considering starting a business -
Plus - $450/month
Coordinate liquidity, legacy, and multi-generational wealth with integrated execution across multiple professionals & platforms.
Career Level: VP, Exec, Founder
Household Income: $750k+
Net Worth: $5M+
Equity: Significant concentrated stock or post-liquidity wealth requiring advanced diversification, tax mitigation, and coordinated execution.
Time in Level: Indefinite
Consider Downgrading to Core When:
• Life & finances become more simplified post-retirement
$500 One-Time Onboarding Fee is part of the up-front cost.
If you enroll in our Wealth Management offering, you may be eligible for a discounted Financial Planning Service.
As Your Wealth Grows, So Does Its Complexity
We place you in a tier based on your financial planning needs. As your needs & complexity change, so might your level of service. Here's what that looks like in practice across each of our Financial Planning Tiers.
W-2 income, budgeting, emergency fund planning, and building a consistent savings rate.
Managing higher income, RSUs and bonuses, multiple accounts, and controlling lifestyle inflation.
Multi-entity cash flow, liquidity planning around illiquid assets, and family-level coordination.
Understanding vesting, sell timing, ESPP participation, and how equity fits into your plan.
ISO exercises, AMT modeling, trading windows, and early planning around liquidity events.
Pre-IPO strategy, secondary sales, QSBS planning, and complex equity structures across entities.
Annual tax estimates, standard deductions, mortgage interest, and simple equity tax events.
Multi-state taxes, equity event modeling, withholding optimization, and CPA coordination.
QSBS, DAFs, exchange funds, charitable strategies, and multi-entity tax planning.
Long-term investing, basic tax-loss harvesting, and managing concentration from RSU vesting.
Direct indexing, covered calls, and managing concentrated stock positions over time.
Custom portfolio construction, private investments, exchange funds, and multi-account coordination.
Beneficiary updates, basic estate documents, and making sure accounts are titled correctly.
Revocable trusts, estate attorney coordination, and planning for a growing estate.
CRUTs, GRATs, irrevocable trusts, and multi-generational estate planning coordination.
A named advisor, structured meetings, and support around key financial decisions.
Quarterly planning plus proactive outreach around equity events, tax deadlines, and milestones.
Continuous engagement, faster responsiveness, and coordination across your outside advisors.
The DiversiFi Waterfall Strategy
(Available only to investors who meet specific eligibility requirements).
(Available only to investors who meet specific eligibility requirements).
Our Advisors leverage a framework that helps clients determine how and when to deploy capital. It starts with financial stability and progresses toward growth, diversification, and long-term opportunity.
This framework is designed to help clients think through equity compensation, liquidity events, and concentrated stock positions in a structured way. By following a clear sequence of priorities, you can balance liquidity, risk, and growth with greater clarity and confidence.
Each step in the waterfall helps determine what level of service you need. Individuals focused on the top of the waterfall align with our Starter Tier, whereas if you’re focused on the bottom levels, our Plus Tier is the best fit.
Partners Solutions
We also partner with specialized firms to provide additional solutions for estate planning, tax-deferred diversification, and advanced portfolio strategies.
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Foundational Estate Planning
Trusts, wills, healthcare directives, and powers of attorney to ensure assets transfer smoothly.
Best For:
Those who are building significant equity who want a clean estate framework in place before implementing advanced strategies.
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Advanced Estate Planning
CRUTs, GRATs, and sophisticated estate structuring for concentrated stock positions.
Best For:Multi-generational wealth transfer, charitable giving strategies, estate tax optimization.
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Tax Exchange Funds
Tax-deferred diversification of concentrated stock without triggering immediate capital gains.
Best For:
Large concentrated positions where immediate sale would trigger 6-figure+ tax bills.
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Advanced Direct Indexing
Institutional-grade direct indexing with daily tax-loss harvesting and custom constraints.
Best For:
High-net-worth clients seeking tax-aware customization and direct indexing flexibility.
